[Jizzeez]

I have a Tokyo Mitsusubishi UFJ Mastercard. It differs to a Western credit card in that you have to pay the balance within six weeks unless you specify that you would like to pay over two or three months when you make your purchase. I wondered if anyone knows what happens if you don't make your payment. Mine is taken by direct debit from my account. I overspent and cannot cover the balance in one month. Is there a way to defer payment for a month? Will they charge me a fortune if I don't contact them? Will my credit rating in Japan be affected? Help! I know I was silly but thought that I would just get charged a bit of interest on the balance like back in the UK. I'm worrying that this could be more serious here in Japan where the card system is different.